| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -15.0% | -2.4% | -12.6 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.5M | $19.3M | $5.0M | $3.1M | $56K | 1.00% | 3.30% | 1.57% | 4,371 |
| Q4 2025 | $21.9M | $18.8M | $5.2M | $3.0M | $267K | 1.22% | 3.49% | 1.61% | 4,421 |
| Q3 2025 | $22.1M | $19.1M | $5.5M | $3.0M | $231K | 1.39% | 3.54% | 2.07% | 4,449 |
| Q2 2025 | $22.1M | $19.1M | $5.7M | $2.9M | $149K | 1.35% | 3.57% | 2.62% | 4,528 |
| Q1 2025 | $21.5M | $18.7M | $5.9M | $2.8M | $77K | 1.43% | 3.69% | 3.49% | 4,549 |
| Q4 2024 | $21.5M | $18.7M | $6.1M | $2.8M | $192K | 0.89% | 3.40% | 2.50% | 4,618 |
| Q3 2024 | $21.2M | $18.4M | $6.1M | $2.7M | $117K | 0.74% | 3.40% | 2.00% | 4,601 |
| Q2 2024 | $21.9M | $19.2M | $6.1M | $2.6M | $28K | 0.25% | 3.27% | 1.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,614 |
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $3.3M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 81.5% | 29th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Beaver, PA, ranked 17th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaver, PA | 2 | $19.1M* | 0.50% | 17th |
Pennsylvania: 333rd with 0.00% · Pittsburgh metro: 100th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2